JP6513866B1 - Person authentication apparatus and program - Google Patents

Abstract

The present invention provides a person authentication apparatus capable of efficiently performing person authentication with high accuracy. A personal identification device (ATM 10) for verifying the identity of a user, which is attached to a photographed image acquisition unit 201 for photographing a user with a camera and acquiring a first face image, and the user's identification document Image acquisition section 202 for reading a second face image and acquiring a second face image, and reading a face picture data recorded on an IC chip attached to the identification document, and acquiring a third face image An acquisition unit 203 is provided. The collation processing unit 204 collates the first face image, the second face image, and the third face image, and if the coincidence rate of the three face images is equal to or more than a predetermined value, the user is the person himself judge. [Selected figure] Figure 2

Description

  The present invention relates to a personal identification device and a program.

  Automatic teller machines (hereinafter referred to as ATMs) are widely installed not only in financial institutions but also in public spaces such as convenience stores, commercial facilities, stations and airports. Therefore, there is a demand for higher performance and multifunctionality in order to utilize ATM as a social infrastructure. In such a situation, it is essential to improve the security of transactions via ATM, and it is important to improve the accuracy of personal authentication, in particular, to prevent impersonation and the like.

  According to Patent Document 1, a license face photo printed on the surface of a driver's license is compared with a terminal operator's face image captured by a camera in an electronic transaction terminal that pays a penalty for traffic violation, and the matching degree is In the case of the predetermined level or more, it is described that the terminal operator is the person himself / herself recorded in the driver's license.

JP, 2013-134684, A

  In the future, it is expected that various transactions will be conducted via online terminals such as ATMs, and it is required to be able to efficiently carry out high-accuracy personal authentication in compliance with the Crime Revenue Transfer Prevention Act. In addition, it is considered necessary to be able to change the accuracy of the user authentication depending on the content of the transaction.

  The present invention has been made in view of the circumstances described above, and it is an object of the present invention to provide a personal identification device capable of efficiently performing high precision personal identification. Another object of the present invention is to provide a person authentication apparatus capable of changing the accuracy of the person authentication according to the contents of the transaction.

The personal identification device according to the present invention is a personal identification device that performs identification of the user,
A photographed image acquisition unit for photographing the user with a camera and acquiring a first face image;
A photographic image acquisition unit that reads a facial photograph attached to the user's identification document and acquires a second facial image;
A recorded image acquisition unit which reads face photograph data recorded in the IC chip attached to the identification document and acquires a third face image;
The first face image, the second face image, and the third face image are compared, and if the match rate of the three face images is equal to or greater than a predetermined value, it is determined that the user is the person himself , And a collation processing unit.

A program according to the present invention is a computer,
A photographed image acquisition unit for photographing the user with a camera and acquiring a first face image;
A photographic image acquisition unit that reads a facial photograph attached to the user's identification document and acquires a second facial image;
A recorded image acquisition unit which reads face photograph data recorded in the IC chip attached to the identification document and acquires a third face image;
The first face image, the second face image, and the third face image are compared, and if the match rate of the three face images is equal to or greater than a predetermined value, it is determined that the user is the person himself , As a collation processing unit.

  According to the present invention, it is possible to provide a personal identification device capable of efficiently performing high precision personal identification.

The figure which shows the external appearance of ATM10 which concerns on one Embodiment of this invention. FIG. 1 is a block diagram showing a functional configuration of an ATM 10 according to an embodiment of the present invention. 5 is a flowchart of person authentication processing according to an embodiment of the present invention. The figure which illustrates the personal identification document C mounted in ATM10 which concerns on one Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol is attached | subjected to the same element and the overlapping description is abbreviate | omitted.

Embodiment FIG. 1 is a view showing an appearance of an ATM (person-authentic user authentication device) 10 according to an embodiment of the present invention. The ATM 10 includes a main display unit 101, a card reading unit 102 for receiving a magnetic card such as a cash card, a bill depositing / dispensing unit 103 for depositing and removing bills, an operation unit 104 operated by a user, and codes such as barcodes and two-dimensional codes. A code reading unit 105 for reading, an optical reading unit 106, a stand 107, a sub display unit 108, a noncontact IC communication unit 109, and a camera 110 are provided.

  The main display unit 101 includes, for example, display means such as a liquid crystal display, and input means such as a touch panel for receiving an input from a user. A screen or an input key for guiding the user's operation is displayed on the display means, and when the user presses the input key on the touch panel, information corresponding to the input key can be input. The user can input the same information by operating the input unit of the operation unit 104 instead of the input unit displayed on the main display unit 101.

  The optical reading unit 106 is, for example, an image scanner, and can read photos or characters attached to a ticket surface such as an IC card placed on the stand 107 as an image. The mounting table 107 has a surface substantially horizontal to the ground, and the optical reading unit 106 can obtain an image of constant quality without being affected by hand movement or the like.

  The sub display unit 108 has display means such as a liquid crystal display, for example, and is installed on the surface of the stand 107. The sub display unit 108 may have only a display unit, or may have an input unit in addition to the display unit as the main display unit 101 does. The sub display unit 108 may display, for example, a screen for guiding a position on which an IC card or the like read by the optical reading unit 106 is to be placed. As a result, even a user who is unfamiliar with the operation at the ATM 10 can smoothly perform the operation without getting lost.

  The non-contact IC communication unit 109 is, for example, a non-contact IC reader / writer, and is installed inside the stand 107. The noncontact IC communication unit 109 can perform noncontact communication with a noncontact IC chip mounted on an IC card or the like, and can read and write information stored in the noncontact IC chip. The non-contact IC communication unit 109 can communicate with the non-contact IC chip by placing an IC card or the like on the placement table 107.

  The camera 110 is a camera device capable of capturing a moving image or a still image. The camera 110 is installed so as to be able to capture a face image of a user operating the ATM 10.

  FIG. 2 is a block diagram showing a functional configuration of the ATM 10 according to an embodiment of the present invention. The ATM 10 is provided with a control device 20 inside the case. The control device 20 includes, as hardware, a CPU, a memory such as a ROM or a RAM, an input interface, an output interface, a communication interface, and a bus connecting these. The control device 20 realizes various functions by the CPU executing a program stored in the ROM or the like. As shown in FIG. 2, the functional modules realized by the control device 20 include a photographed image acquisition unit 201, a photographic image acquisition unit 202, a recorded image acquisition unit 203, a collation processing unit 204, a collation result notification unit 205, and a transaction type. A determination unit 206 is included.

  Next, the flow of the process of authenticating the identity of the user operating the ATM 10 according to the present embodiment will be described with reference to the flowchart of FIG.

  A user who wishes to make a transaction by operating the ATM 10 places the personal identification document C on the holder 107 in accordance with the guidance or the like displayed on the main display unit 101 (step S101). The user can place the identification document C in accordance with the guide displayed on the sub display unit 108 as illustrated in FIG. 4. As the personal identification document C, for example, a document such as a driver's license, a passport (passport), a my number card, etc. in which a face photograph is attached to a ticket surface and in which a contactless IC chip is built can be used. Data of the user's face photograph is recorded in the non-contact IC chip. Note that, as described later, depending on the type of transaction, even a document having only a facial photograph or facial photograph data in a non-contact IC chip can be used.

  When the personal identification document C is placed on the table 107, the optical reading unit 106 reads a face photograph of the ticket surface of the personal identification document C, and the photograph image acquisition unit 202 generates a face image of the user (second face An image is acquired (step S102).

  Further, the non-contact IC communication unit 109 reads the face photo data recorded in the non-contact IC chip, and the recorded image acquisition unit 203 acquires a user's face image (third face image) (step S103). .

  Furthermore, a face photograph of the user is photographed by the camera 110, and the photographed image acquisition unit 201 acquires a face image (first face image) of the user (step S104). The timing of shooting may be when the user detects that the personal identification document C has been placed on the stand 107, and acquisition of the face picture on the face of the ticket and the face picture stored in the IC chip is completed. It may be time. Moreover, although the time when a user performed selection operation (after-mentioned) of a transaction type may be sufficient, the timing of imaging | photography is not restricted to these.

  Next, the collation processing unit 204 collates the face photograph of the face of the personal identification document C obtained in steps S102 to S104 with the face photograph stored in the non-contact IC chip and the face photograph taken by the camera 110. (Step S105). Specifically, for example, a plurality of feature points are extracted from images of three face photographs, and the feature points are compared. If there are a certain number or more matching feature points in the three images, it is determined that the three images are face photographs of the same person.

  Next, the comparison result notification unit 205 outputs the comparison result of the three face photographs to the main display unit 101 (step S106). Specifically, when it is determined that the three images are face photographs of the same person, a message such as “identity confirmation has been made” is displayed. On the other hand, when it is not determined that the photograph is a face photograph of the same person, a message such as "I could not confirm my identity. I can not make a transaction." Is displayed. If the user's identity can be confirmed, a message prompting the user to perform a transaction is displayed on the main display unit 101.

  As described above, according to the present embodiment, for the user who carries out the transaction at the ATM 10, the photograph of the face of the face of the note of the identification document, the photograph of the face stored in the IC chip of the identification document, and the camera 110 We checked three points of face photograph and performed identity verification. This enables efficient identification of the person with high accuracy.

  It may be determined whether or not the identity verification is to be performed according to the content of the transaction that the user intends to conduct. Furthermore, the accuracy of the identification may be determined according to the content of the transaction.

  For example, by displaying a message on the main display unit 101, the user is first prompted to select a transaction type, and the transaction type determination unit 206 acquires information on the selected transaction type, and the selected transaction type The necessity and accuracy of the person verification process may be determined. Specifically, when an unnecessary transaction (for example, transfer of utility charges) of identity verification is selected, the transaction screen is displayed as it is without prompting presentation of identity verification documents (placement on the support 107). You may make it shift. In addition, when a transaction requiring a high degree of security (for example, account opening, large cash transaction, etc.) is selected among transactions requiring identification, the above three types of face photographs The matching may be performed.

  In addition, when a transaction (for example, a relatively small cash transaction, etc.) which does not require a high degree of security is selected, the accuracy of the identification may be lowered. For example, in a case where a certain number or more of matching feature points exist in any two of the three types of face photographs, it may be determined that the identification of the person is successful. Also, the threshold of the number of matching feature points in three (or two) photographs may be reduced and determined. The method of identity verification with reduced accuracy is not limited to the above as long as it is performed by comparing two or three face photographs.

  In addition, when the presented person verification document does not satisfy the condition (when it does not have both the face photograph on the face of the ticket and the face photograph stored in the IC chip), the main display unit 101 can not make a transaction. The message of may be displayed. Alternatively, when a transaction requiring a high degree of security is selected, only identification documents having both a face picture on the face of the ticket and a face picture stored in the IC chip may be accepted. On the other hand, when a transaction that does not require so high security is selected, it is possible to accept an identification document that has only one of the face photograph on the face of the ticket or the face photograph stored in the IC chip. You may

  The criteria for determining whether a transaction is required to have a high degree of security may be based on the provision of the Crime Revenue Transfer Prevention Act, or based on other criteria (for example, criteria for each financial institution). It may be one.

  As described above, according to the type of transaction, it is possible to determine whether or not to perform identity verification, and furthermore, to determine the accuracy of identity verification, so processing time can be shortened without performing unnecessary identity verification processing. Operation can also be reduced.

  The present invention is not limited to the embodiments described above, and can be implemented in other various forms without departing from the scope of the present invention. For this reason, the said embodiment is only a mere illustration in all the points, and is not interpreted restrictively. For example, the processing steps described above can be arbitrarily changed in order or performed in parallel as long as no contradiction occurs in the processing content.

  In the above embodiment, the personal identification function is applied to ATM, but the present invention is not limited to ATM, but any system that requires personal identification, such as an ID photo camera, a door opening / closing device of various facilities, etc. It can be applied to

  In addition, by providing the result of the identity verification according to the present invention to other companies that are affiliated, it is possible to realize an identity verification proxy service. Since the personal authentication according to the present invention is lower in risk of impersonation, data falsification, data falsification, etc., compared with the personal identification using the user's own smartphone or PC camera, a highly reliable personal authentication proxy service can be provided. it can. In the case of acting as a proxy for identity verification, it is also possible to set the accuracy of identity verification according to the request of the client. As a result, it is possible to provide a flexible authentication service that meets the client's request as well as the authentication based on a specific law or system. In addition, the client may be made to report only the result of the personal authentication, and together with the authentication result, the information acquired from the identification document used for authentication and the information acquired from the IC chip may be provided. You may

  In addition, when a face picture is not attached to the ticket face of the identification document, or when reading of the attached face picture fails, etc., the judgment is made by comparing the character information of the ticket face with the information recorded in the IC chip. May be used. Specifically, determination is made by collating the character information (name, date of birth, address, etc.) described on the ticket side of the identification document with the information recorded in the IC chip. The character information of the ticket surface can be read by the optical reading unit 106.

10 ... ATM
20: Control device 101: Main display unit 102: Card reading unit 103: Banknote deposit and withdrawal unit 104: Operation unit 105: Code reading unit 106: Optical reading unit 107: Placement table 108: Sub display unit 109: Non-contact IC communication unit 110: Camera 201: Photographed image acquisition unit 202: Photo image acquisition unit 203: Recorded image acquisition unit 204: Verification processing unit 205: Verification result notification unit 206: Transaction type judgment unit

Claims (3)

An identity verification device that verifies the identity of the user
A photographed image acquisition unit for photographing the user with a camera and acquiring a first face image;
A photographic image acquisition unit that reads a facial photograph attached to the user's identification document and acquires a second facial image;
A recorded image acquisition unit which reads face photograph data recorded in the IC chip attached to the identification document and acquires a third face image;
The first face image, the second face image, and the third face image are compared, and if the match rate of the three face images is equal to or greater than a predetermined value, it is determined that the user is the person himself And a verification processing unit. A transaction type determination unit that acquires information on the type of transaction selected by the user and determines the accuracy of the person verification process according to the type of transaction selected;
The collation processing unit
When the highest accuracy is determined, it is determined that the user is the person if the coincidence rate of the three face images is equal to or more than a predetermined value, and if the accuracy is determined to be lower, the three are determined. The person authentication apparatus according to claim 1, wherein it is determined that the user is the person if the coincidence rate between two face images of the face images is equal to or more than a predetermined value. Computer,
Taking the hot water over The Depending on the camera, and the captured image acquisition unit to acquire the first of the face image,
A photographic image acquisition unit that reads a facial photograph attached to the user's identification document and acquires a second facial image;
A recorded image acquisition unit which reads face photograph data recorded in the IC chip attached to the identification document and acquires a third face image;
The first face image, the second face image, and the third face image are compared, and if the match rate of the three face images is equal to or greater than a predetermined value, it is determined that the user is the person himself , A program to make it function as a collation processing unit.